2026 - YEAR OF ARGENTINE GREATNESS

COMMUNICATION “A” 8504 02/11/2026

TO FINANCIAL INSTITUTIONS,
TO THE TRUSTEES OF FINANCIAL TRUSTS INCLUDED IN THE LAW ON FINAN- CIAL INSTITUTIONS, TO MUTUAL GUARANTEE COMPANIES, TO PUBLIC-SECTOR GUARANTEE FUNDS, TO NON-FINANCIAL COMPANIES ISSUING CREDIT CARDS, TO NON-FINANCIAL COMPANIES ISSUING PURCHASE CARDS, TO OTHER NON-FINANCIAL CREDIT PROVIDERS, TO PROVIDERS OF PEER-TO-PEER CREDIT SERVICES THROUGH PLATFORMS:

Ref.: Circular
RUNOR 1-1982:

Submission of Information to the Central Bank - New Financings.

We address you in relation to the Monthly Accounting Reporting Regime – Debtors of the Financial System.

In this regard, Section 86. Submission of Information to the Central Bank is incorporated in order to enable the entry of information related to new financings granted to clients belonging to the Non-Financial Private Sector.

These instructions shall apply to financings granted as from 1 March 2027.

This information may be submitted daily and only when there are new developments.

We greet you attentively.

CENTRAL BANK OF THE ARGENTINE REPUBLIC

Gustavo O. Bricchi
Manager of Information
Management
Rodrigo J. Danessa
Deputy General Manager of Reporting Regime and Protection of Financial Services Users a/c

ANNEX: 7 Sheets

86.1. General instructions.

86.1.1. The information included in this section may be submitted daily and only when there are new developments, that is, each time financial institutions, non-financial credit providers and/or providers of peer-to-peer credit services through platforms grant new credit assistance related to the items Loans (with the exception of Credit Cards and Advances) and Financial Lease Credits, corresponding to natural or legal persons belonging to the non-financial private sector. In addition, the conditions established in point 1. of Section N of the Procedure Rules of this regime must be met. It shall be recorded in accordance with the record layout inserted in point 86.5. named NUEVAS.TXT.

The information may be entered as provided in Section 1. Submission of Information to the Central Bank, in accordance with the provisions for the file transfer service at www3 (MFT). The file must be sent respecting the maximum size established in the aforementioned section.

To identify this regime/requirement (86. New Financings), the regime code “00002”, requirement “00014” must be used.

Amounts shall be recorded in thousands of pesos without decimals. For the purposes of rounding the magnitudes, for those debts greater than $25 thousand, the values shall be increased by one unit when the first digit of the fractions is equal to or greater than 5, discarding those that are lower.

86.1.2. The data referring to the entity code, information date (submission date) and presentation type shall be those declared in the index files in accordance with the provisions of Section 1. The presentation type field must always be completed as Normal and in all cases the option “OPERA” must be indicated.

86.1.3. The flat files that will be sent with the requested information shall be of variable length, in accordance with the corresponding record layout, and taking into account the following specifications:

They must respect the ANSI - 1252 character encoding.
The symbol “;” (semicolon) shall be used as the field separator.
To separate each record, the hexadecimal characters representing a <CR> “Carriage Return” and a <LF> “Line Feed” must be entered. This means that an <ENTER> is generated at the end of each record.
The last field of each record must NOT contain the symbol “;” at the end thereof. That is, the number of “;” per record is equal to the number of expected fields minus 1. For example, for the file NUE-VAS.TXT, 6 fields per record are expected, therefore, there will be 5 “;”.
It is not necessary to complete the field up to the maximum expected length (that is, fill the numeric fields with leading 0s or the alphanumeric fields with blank characters)
The description-type fields must be generated in uppercase characters without accents. They must not contain tab characters or quotation marks. The new line character (Enter) and the semicolon character (;) must not be used in these fields.

86.1.4. More than one file per day may be entered. If the entity wishes to modify, add or delete information, it may send a file again with the modifications, since the last validated record for each debtor will be taken as the current record.

For the purposes of deleting a previously validated new development, fields 1 to 4 must be reported, field 5 must be completed with 99999999 and field 6 as a null field.

86.2. Particular instructions.

86.2.1. Financial institutions, non-financial credit providers and/or providers of peer-to-peer credit services through platforms may report daily as many records per debtor as new assistances have been granted to them.

86.2.2. In field 1, identification type 11 shall be used to report CUIT, CUIL or CDI.

For situations not provided for, identification types “98” and “99” shall be used for debtors residing abroad who are legal persons and natural persons respectively, who do not have a tax identification number. The identification number shall be formed as follows:

in the first five digits, the code of the reporting entity assigned by this Institution shall be recorded.
in the following two, the characters corresponding to the country code of residence of natural or legal persons located abroad shall be included, in accordance with the SWIFT Country Codes coding.
in the remaining four digits, a unique number shall be used for each of them.

86.2.3. For the purposes of complying with the provisions of the second paragraph of point 1.2. of Section A. of the RI-DSF Procedure Rules, this Institution shall use the information contained in the "Padrón ARCA". Such information may be downloaded from the website www3.bcra.gob.ar, exclusively for entities.

86.3. Validation of information.

Once the information has been processed, the result of the validation process will be available on the secure site https://www3.bcra.gob.ar in accordance with the procedure established in Section 1. of Submission of Information to the Central Bank.

86.4. Dissemination of information . The information in force shall be published through the channel that the BCRA shall define in due course.

86.5. Record design.

B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
Section 86. New Financings.

Denomination: NUEVAS.TXT New Financings	Sheet 1 of 2
No. Field	Name	Type	Maximum Length	Observations
1	Identification type	Numeric	2	Points 2.1. of Section A. of the T.O. and 86.2.2. of these instructions.
2	Identification number	Numeric	11	Points 2.1. of Section A. of the T.O. and 86.2.2. of these instructions.
3	Denomination	Character	55	Points 1. of Section A. of the T.O. and 86.1.3 and 86.2.3. of these instructions.
4	Credit Assistance	Numeric	2	Point 2.1. of section B of the T.O. 02 = Discount of credit instruments in accordance with point 1.1.14 of the rules on "Guarantees" (only for EF). 04 = Single-signature documents, discounted and purchased. 05 = Mortgage loans on housing (only for EF). 06 = With other mortgage guarantees. 07 = Pledge loans on automobiles (only for EF). 08 = With other pledge guarantees. 09 = Personal. 13 = Other loans. 15 = Credits for financial leases. 17 = Small-amount loans (only for EF). 18 = Additional loans (only for EF). 19 = Loans to Microcredit Institutions.

B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
Section 86. New Financings.

Denomination: NUEVAS.TXT New Financings		Sheet 2 of 2
No. Field	Name	Type	Maximum Length	Observations
				20 = Loans to microentrepreneurs. 21 = Loans for prefinancing and financing of exports (only for EF). 22 = Mortgage loans on UVA housing (only for EF). 23 = With other UVA mortgage guarantees (only for EF). 24 = UVA pledge loans on automobiles (only for EF). 25 = With other UVA pledge guarantees (only for EF). 26 = Other UVA loans (only for EF). 27 = UVA single-signature documents (only for EF). 28 = Mortgage loans on UVI housing (only for EF). 29 = UVA personal loans (only for EF). 30 = With other UVI mortgage guarantees (only for EF). 32 = Accounts receivable for UVA financial leases (only for EF). 88 = Financings granted by providers of peer-to-peer credit services through platforms. 99 = Personal loans for refinancing outstanding balances of credit and/or purchase cards (only for non-financial companies issuing credit and/or purchase cards).
5	Date of granting of the new financing	Numeric	8	AAAAMMDD. Point 86.1.4. of these instructions.
6	Amount granted	Numeric	12	In thousands of pesos without decimals. Point 86.1.4. of these instructions.
T.O.: Ordered Text of the Reporting Regime - Debtors of the Financial System EF: Financial Entities

86.6. Validation error table.

Code	Legend	Cause
01	FILE NUEVAS.TXT NOT FOUND	The reference file was omitted from being recorded or it is empty, or its layout does not correspond to the expected one.
02	FORMAT ERROR	- A non-numeric character or zeros was entered in a numeric field (field 6) - A character field was entered with non-allowed values, blanks or as a null field (field 3). - An invalid date value was reported or it was not completed with 99999999 (field 5). - A non-allowed value was entered (fields 1 and 4). .
03	DUPLICATE RECORD	More than one record was reported with the same combination of fields 1, 2, 4 and 5 in the NUEVAS.TXT file.
04	IDENTIFICATION NUMBER INCORRECTLY REPORTED	The identification number reported in field 2 is equal to zero or contains one or more non-numeric characters, for identification type 11, or does not conform to the procedure provided for identification types 98 and 99.
05	IDENTIFICATION NUMBER NOT CORRESPONDING TO C.U.I.T./C.U.I.L./C.D.I.	The first two digits of the reported identification number do not correspond to any of the prefixes used by ARCA or the same number was repeated from the third to the tenth digit for identification type 11.
06	CHECK DIGIT INCORRECTLY REPORTED	The reported check digit does not correspond to C.U.I.T., C.U.I.L. or C.D.I.
07	DATE OF GRANTING OF THE NEW FINANCING INCORRECTLY REPORTED	In field 5 a granting date later than the date of submission of the information was reported, or the date corresponds to a monthly period equal to or less than the one disseminated in the last Debtors' Central Register available for the system.
08	DEBTOR NOT INCLUDED	A debtor not included in point 2 of the T.O. has been reported.
09	DEBTOR INCORRECTLY REPORTED	New financing has been reported for a debtor: - covered by subsection 4, article 26, of Law 25.326 and/or - not belonging to the Non-Financial Private Sector (applicable to EF).

B.C.R.A. SUBMISSION OF INFORMATION TO THE CENTRAL BANK
Section 86. New Financings.

Code	Legend	Cause
10	INCONSISTENCY IN CREDIT ASSISTANCE	A credit assistance code was reported in field 4 that is not allowed for non-financial credit providers, or it was entered with code 88 or 99 for financial institutions, or it was entered with a code other than 88 for providers of credit services between individuals through platforms.
11	INCONSISTENCY IN REPORTED NEW FINANCING	New financing was submitted when the entity has not validated the period corresponding to the last Debtors' Central Register disseminated for the system.